Free Vetted Notice tool

Business Cushion Calculator

Estimate the minimum cash your business needs to keep operating, how long your current reserve could last, and a practical path toward your target.

1. Essential monthly costs

Include the expenses the business must continue paying during a slow month. Use monthly amounts.

2. Your reserve today
3. Your protection target

The delayed-payment check compares that one timing gap with the current reserve. It does not add the invoice amount to operating costs.

Go deeper

A number helps. A system changes the habit.

The ebook explains how to separate business pressure from personal savings and build the reserve in realistic stages.

Get the emergency-fund guide

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